[Resolved]  ICICI Bank Credit Card — Overcharging and debiting money from account without consent

ICICI Credit Card — Deducted from SB A/C without consent

In Dec 2005 I used ICICI Credit Card for purchase of a Mobile handset worth approxRs10000. The merchant converted the purchase to EMI for his advantage without my consent.After 3 months follow up with merchant and Bank the mode was changed to one time payment. But bank started charging delay on EMI charges and service charges and what not...
After many many follow up once a lady called up and said you pay Rs.750/- matter will be closed, however next month onwards again getting statements.Personally visited their office and spent half day without anybody really attending, to settle the issue.I had send complete detail of purchases and payment since the card was taken.All payments for the purchase was made without delay.All efforts from my side was wasted, the bank used their might to debit Rs.13000/- from my salary Account without giving a chance to defend my side.
Rs 13, 000 was "stolen" from my account as I was a helpless customer.This is a lesson for all the people taking ICICI credit card."Beware they are having muscle power " only mantra they follow is make money at any cost.

ICICI Credit Card — Amount deducted from my salary saving account without my permission

Hi,

I m holding a card for few yrs now . In oct i purchased a laptop and paid Rs 45000/- through this card . Every month i was charged almost 3000/- extra, so i requested to settle this card and i was ready to pay in emi. Several times collection dept people came and collected minimum due amount and promised to settle the account but nothing was done and agian next month Rs 3000/- was added and statement was sent . I wrote emails to icici customer care on 9th august and on 14th august Rs 57, 712 /- was taken from my SALARY SAVING ACCOUNT without my permission . After several reminders also i m still getting credit card statement with additional charges . i get 10-15 calls everyday for reminder of payment and they are too rude also.
When i m in office or driving they call and use harsh language. i m scared that agin they will take these amount from my account. i have gone through enough harrasment and lost lots of money because of it .

Pls. advise .

Thanks and regards
aparna

ICICI Saving A/c — Over charging the customer without explaination

Hi,

I am really fed up with ICICI bank they are always deduction amount from the account without explaination. The authority should check and fine them or even close them. The bank should be sued for eating customers hard earned money.

ICICI Bank Complaints - 20/10/2008 QABChgs, Jul-Sep08+Serv Tax93 DR INR 843.00

Thanks,
Vishal

ICICI Bank are playing this with lot of customers. I have closed an ICICI credit card almost 20 months ago..And I am living abroad..I updated all the contact details with the bank. But one fine morning I found that an amount of 80, 000 has been debited from my icici savings account towards the credit card which was not in use for 20 months(My actual credit limit was 37000). I called ICICI cutomer care and it took me one and a half hours to get somebody...I made this call from USA to chennai...They told me they will send me statements by email..But Why didnt they do it for past 20 months...And nobody from the bank has contacted me regarding this payment..and they debited the amt +interests+charges+some blah blah..(The final amt was closer to 2.5 times my actual credit limit)..They said that there's a sentence in the credit card agreement which allows them to do this...So better not apply for ICICI credit card...NEVER...EVER...They're blood suckers...

WIPRO — saving account

i have deposited payorder from karur vaisya bank on 31 st mar in valasaravakkam branch.till the amount not been credited in my acconut

ICICI is a thug and please do not associate with it. they will steal your money. they have fools for customer care. they same happened to me.

Luckily, there was very less money in my account. so lost only 4K. they had tried to debit 51K. I will never ever do banking with them.

I also have similar experience with the Bank and Bank, who is spending so much of money to advertise about so called "Trusted Bank" is no more visible in their actions.

I had sdaving Bank account for more than 5 years with Bank, all loans that I ahve taken (Car loan) has been paiud on time, every time by me. One day suddenly, without any intimation or consent from or to me, they deducted money from my account for 3 year old CC which is not linked with this a/c by me.

From this incedent, I do not trust this Bank any more as my money is not safe with Bank. I already am closing my a/c in this bank as well as closing any other relationship that I have with this Bank.

This w.r.to the statement recevd by me in the month of April, there were so many service tax and late payment fees amounting to 3000/- has been debited on one day.

How is that possible, and in the past wherever thier executive called up I have asked them to come with a settlement form and give no dues certificate on the last payment( which was the late paymenet cahrges left unpaid by me after paying all my principal amount) i.e 1490/- due.

But nobody, turned up and today suddenly I come to know by chance that my account has been blocked for 5200/-Rs and which has made my EMi bounced, which was due today, that too without informing me or taking any consent from me.

How can you debit my saving account account?

And the bank behaved in a haste manner in which they have even not seen that there were no money used by me due in the card it was late payment charges levid many months ago and for which I have been told by customer care that will be reversed but that amount has not been reveresed and they have aharges late payment cahrges on late payment charges and subsequently they blocked my money which resulted in this day,

I do not understand are we customer too helpless in placing our genuine facts and get justice form such service provider who claims to be atrustworthy name among customers???

If I would have to react in the same way as they have reacted then I would withdraw same amount from my another credit card of same bank and also close all my saving accounts witbh ICICI, is this the solution??
For your information i am still using another card of ICICIbank, for which I have no issues, you can check the records

Hi Mr AA Chacko,


Please don't give free suggestions like "This is a lesson for all the people taking ICICI credit card."Beware they are having muscle power " only mantra they follow is make money at any cost." .

Fight for it, Drag them to consumer court and take all dues from them as compensation .

I'm doing that since I also faced the same issue .

Thanks
B.Ganesh

ICICI Bank — Money debited from my saving account

Hi,

My ICICI Bank Account is debited with Rs.55 with description as Charges for sign verification.
when contacted with Customer Care, ICICI Bank officer said that these charges were charged for check issused, i have not given any check to anybody else.
ICICI is doing this kind of Business with large number of Customer i think also.
This is my compliant against ICICI Bank Saving Account Department.
This bank should be penalised for this.

ICICI Credit Card — Debiting of the salary account without the consent of the account holder towards credit card payment

We have received an SMS from ICICI Bank on January 16th 2010 stating that the minimum amount of Rs. 8120 should be paid on or before February 3rd 2010.
But I found out that the salary account was debited to a zero balance and a total of Rs.34500 approx. was debited from the account without any intimation or consent on 29th January 2010.
I spoke to the concerned authority, but there is no positive progress as such.They have been advancing things and meanwhile i receive calls from the credit card section making false allegations that we have not paid the money.
I would like the transaction to be reversed at the earliest.
The payment history shows that we have paid decent amounts and we never have an idea of turning into a defaulter.
I would like to know whether we can approach legally.

Dear Arun,

We regret the inconvenience caused.

Please write to us with your contact details and credit card number at [protected]@icicibank.com (Subject line: UID 233354). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

ICICI Bank is habitual in harrasing customers. I sent a complaint to them regarding the same matter. Mail is attached below. but they hav not resolved the matter. I dont know what to do?
Dear sir/madam,
My account number is[protected] and customer id is[protected].
I am suffering too much due to confusion over some credit card that you claim i have received and i have reiterated so many times that i never received any such card. For last two weeks you, your call centre, your chennai credit card department and everybody else whom i am interacting with, are assuring me that this case has been taken for investigation and will be resolved shortly.
But, today, I have experienced the most disgusting thing any bank can do to its customer. All the money that was lying in my acount has been debited without my consent and my account balance today is zero.
You didn’t inform me before leining my account, because of which checked issued be me got bounced and damaged my reputation. Informing me about such outstanding and account leining was the least thing you should have done before leining my account.
After this, you guys are just not able to resolve the case after more than two weeks.
In addition to this, you have stopped responding at all.
And, now to set an unique example of customer service, you have debited Rs. 11050 from my account without my consent. Forget about consent, you have not even informed me that you guys are going to debit my account.

You should at least share the result of your investigation with me. I don’t know why have you guys stopped responding. I just cant figure out why have you taken this disgusting step of debiting my account silently without my consent.
I don’t know what to do? Is there anybody in this organisation, where i can sent my complaint?

From,
Sandeep
[protected]

THEY HAVE ENEVN DISABLED MY MAILS IN MY INTERNET ACCOUNT. SO THAT I DO NOT RETRIEVE MY COMMUNICATION WITH THEM AND USE THAT AS PROOF AGAINST THEM.

icici bank/saving account — Debited money without my approval

Respected Sir,

I am John Jayaraj, Working in Wipro.
Yesterday, ICICI bank (saving account) debited Rs 7,706 for credit card payment from my saving account without my approval.
I am not paying credit card money since they are giving proper response for interest.
Background information:
I have saving account and credit card and Lombard insurance in ICICI bank. ICICI Lombard is giving group insurance for Wipro employee. So that I decided to cancel my insurance in ICICI. But they told you can’t cancel now and you have to pay for one year. I told i can’t pay for that amount.
But they continuously added insurance fees 350 in my credit card bills and also they added interest for it. So they stopped when is reached Rs.7, 706. (Total interest is 3500)

I told to credit card department saying that I can pay this money if you remove insurance fees from the bill. (This issue not closing...still now)
They debited 7,706 Rs from my saving account without my approval.
There is no security in this bank..
Kindly do the needful for this issue.

Is your credit card also issued by ICICI? If yes then they have a right to deduct the amount from your Credit Card account as it is mentioned in their terms and conditions section of the application form, both for Bank account and CC account.

Now, you can file a complaint regarding your interest charged for the CC usage and immediately visit any nearby ICICI bank and get these standing instructions disabled in front of you and also apply for the cancellation of the Insurance policy which you do not want and ask for the refund of the amount the Insurance company has taken till date with interest. They will deduct some closure charges which you will have to pay ( or will be deducted from the refund )

Don't stop paying for your CC account as after some time they will put your name in the defaulters list ( CBIL database ) and you will not get any kind of loan from any bank in India.



Regards
Gaurav Mathur

Dear Mr. John,

We are sorry for the inconvenience caused to you. Please write to us with your contact details at [protected]@icicibank.com and we will get back to you at the earliest. Kindly refer "616780" in the subject line.

Regards,
ICICI Bank Customer Service Team.

[protected] my card no.

pls tell me what amt due in my card

regards
satish Sharma

email : [protected]@gmail.com

I have a savings salary account with ICICI Bank.

Last weekend ICICI bank has deducted about Rs 14, 000 from my salary account. I called ICICI customer care and they told it has been linked with the credit card I used to have around 3 years ago. There was a disputed amount of around 3-4 thousand which after my repeated complaints, was never taken care of and it seems they kept charging interest and other fees. I had always been willing to pay all the genuine expenses I have made through the card however the bank should refund the unreasonable charges.

I had asked for settlement but never got any letter for settlement and now suddenly they have deducted this amount from my salary account last monday.

As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent. This is totally unacceptable and frustrating. I even called up customer care but in vain.


Kindly suggest how can I recover.
Any help would be highly appreciated.

Suchait Sachdeva
suchait.[protected]@gmail.com
credit card: [protected]